CitrusInteractive.in (Citrus Interactive) respects the privacy of its users and
is committed to protecting it in all respects. Citrus Interactive is associated
with Citrus Advisors.

To subscribe to our site, users are required to provide certain information for
the registration process, namely: your name, email address, contact number, and
city (all the required information is service dependent). The information supplied
by users enables us to improve our site and provide you a user-friendly experience.

To improve the responsiveness of our site for users, we may use "cookies", or similar
electronic tools to collect information. Here a unique, random number is assigned
to each visitor (actually, to his computer) which serves as a User ID. This enables
us to understand the user's individual interests. Unless you voluntarily identify
yourself (through registration, for example), we will have no way of knowing who
you are, even if we assign a cookie to your computer. The only personal information
a cookie can gather is information that you supply (an example of this is when you
provide information on some sites and ask for a personalised horoscope). A cookie
cannot read data off your hard drive. Our advertisers may assign their own cookies
to your browser (if you click on their ads), a process that we do not control.

Our web servers automatically collect limited information about your computer's
connection to the Internet, including your IP address, when you visit our site.
(Your IP address is a number that lets computers attached to the Internet know where
to send you data -- such as the web pages you view.) Your IP address does not identify
you personally. We use this information to deliver our web pages to users upon request,
to tailor our site to our users' interests, to measure traffic at our site, and
to let advertisers know the geographic locations from where our visitors come.

Citrus Interactive includes links to other websites. Such sites are governed by
their own privacy policies, which are beyond our control. Once you leave our servers
(you can tell where you are by checking the URL in the location bar on your browser),
use of any information you provide is governed by the privacy policy of the operator
of the site you are visiting. That policy may differ from ours. If you can't find
the privacy policy of any of these sites via a link at the site's homepage, you
should contact the site directly for more information.

When we present information to our advertisers -- to help them understand our audience
and confirm the value of advertising on our website -- it is usually in the form
of aggregated statistics on traffic to various pages within our site. When you register
with Citrus Interactive, you will from time to time receive updates of content.
We provide users those features that we believe will benefit them.

EXCEPT FOR PAYMENT DETAILS LIKE CREDIT-CARD, DEBIT-CARD OR INTERNET BANKING DETAILS
(which are collected not by us but by industry-standard, independent, third-party
controlled payment gateways), all information on Citrus Interactive is stored securely
within a database controlled by Citrus Interactive. This database is stored on secured
servers.

Access to our servers is password-protected and is strictly limited. However, as
effective as our security measures are, no security system is impenetrable. We cannot
guarantee the security of our database, nor can we guarantee that information you
supply will not be intercepted while being transmitted to us over the Internet.
And, of course, any information you include in a posting in the discussion areas
is available to anyone with Internet access.

The internet is an ever evolving medium. We may change our privacy policy from time
to time to incorporate necessary changes in future. Of course, our use of any information
we gather will always be consistent with the policy under which the information
was collected, regardless of what the new policy may be.

We may also at times share aggregate information with companies and websites belonging
to the same group - Citrus Advisors.

We use third-party advertising companies to serve ads on our web site. These companies
may use information (not including your name, address, email address or telephone
number) about your visits to this and other web sites in order to provide advertisements
about goods and services of interest to you.

1. The term "Registered User or Registered Users" means and includes all registered
users of the Website who have paid due consideration for the use of the Website
and its services and have entered into a registered user agreement with the Operators
of the Website.
2. The term "Viewer or Viewers" means and includes all those persons who gain access
to the Website and includes all Registered Users (as defined hereinabove).

Disclaimer and Exclusion of Liability

The information contained and provided on this Website is of a general nature and
it is not the intention of the Operators of the Website to provide any professional
advice, solicitation or offer to sell, recommend or purchase securities and/or funds
to the Registered Users and/or Viewers of the Website. All information, statements,
opinions, statistics, products, services and materials contained, provided and posted
on the Website are contained, provided and posted on an "as is" basis. The Registered
Users and/or Viewers must exercise due caution and must verify any and all information
sought to be relied upon and/or seek independent professional advice before the
Registered Users or Viewers enters into any commercial or business relationship
or transaction with any person or entity, and /or any other party or makes any investment
or enters into any financial obligation based solely on any information, statement
or opinion which is contained, provided, posted or expressed on the Website. The
Registered Users and/or Viewers of the Website expressly understand and agree that
it is their sole responsibility to authenticate, verify and evaluate or take professional
advice on the accuracy and completeness of all information, statements, opinions
and other materials contained, provided, posted or expressed on this Website or
any website with which it is linked.

The Website contains information, statements, opinions, statistics, products, services
and materials that have been obtained from sources believed to be reliable and an
effort has been made to provide accurate information, however the Operators of this
Website make no guarantees whatsoever regarding the timeliness, completeness, accuracy,
adequacy, fullness, functionality or reliability of the information, statements,
opinions, products, services and materials contained, provided and posted on any
section of the Website or of the results obtained from the use of such information,
statements, opinions, products, services and materials and make no warranties of
any kind and nature whatsoever either express or implied, including but not limited
to warranties regarding the accuracy, performance, merchantability and/or fitness
for a particular purpose of the information, statements, opinions, products, services
and materials contained, provided and posted on the Website or of the results obtained
from the use of such information, statements, opinions, products, services and materials.

The Registered Users and Viewers of the Website understand and agree that any action
taken or decision made by them based on the information, statements and/or opinions
contained, provided, posted, made or expressed on the Website will be taken or made
by them at their own risk without any recourse whatsoever to the Operators of the
Website. The information, statements, opinions and materials contained on the Website
are for private use only and not intended for use in any commercial activity or
purpose.

THE Registered Users AND Viewers OF THIS WEBSITE UNDERSTAND AND AGREE THAT THE OPERATORS
OF THIS WEBSITE ASSUME NO LIABILITY WHATSOEVER REGARDING THE TIMELINESS, COMPLETENESS,
ACCURACY, ADEQUACY, FULLNESS, FUNCTIONALITY AND RELIABILITY OF THE INFORMATION,
STATEMENTS, OPINIONS, STATISTICS, PRODUCTS, SERVICES AND MATERIALS CONTAINED, PROVIDED,
POSTED OR EXPRESSED ON THE WEBSITE AND WILL NOT BE LIABLE FOR ANY DAMAGES, WHETHER
DIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL INCURRED BY ANY Registered User AND/OR
Viewer OF THIS WEBSITE ON ACCOUNT OF THE USE OF THE INFORMATION, STATEMENTS, OPINIONS,
STATISTICS, PRODUCTS, SERVICES AND MATERIALS CONTAINED, PROVIDED, POSTED OR EXPRESSED
IN THE WEBSITE, WHETHER OR NOT THE OPERATORS OF THE WEBSITE KNEW OR SHOULD HAVE
KNOWN THAT SUCH DAMAGES MIGHT BE INCURRED, INCLUDING BUT NOT LIMITED TO LOSS OF
INCOME OR PROFITS OR MARKET VALUE LOSS ON THE SALE OR PURCHASE OF SECURITIES AND/OR
FUNDS.

The Operators do not certify and/or endorse any opinions contained, provided, posted
or expressed on the Website and neither do the Operators certify and/or endorse
any products and/or services sold by any party on the Website or otherwise and makes
no representation or warranty, express or implied, of any kind whatsoever with respect
to the same, including but not limited to, warranties of fitness, merchantability
or fitness of such links for any particular purpose with respect to the same.

Data Protection

The Registered Users and Viewers of the Website understand and agree that though
all reasonable care is taken by the Operators of the Website to secure and keep
confidential all data and information provided by the Registered Users and Viewers
on the Website or to the Website or through the Website, however the Operators shall
not be liable and shall not be held responsible for unauthorized and illegal access
to such data and information by third parties through illegal and unlawful activities
such as hacking. The Registered Users and Viewers expressly waive their right to
make claims and demands of any kind and nature whatsoever, against the Operators
on account of any losses or damages whether direct, incidental, special, or consequential
incurred or suffered by any Registered User or Viewer of the Website on account
of such unauthorized access to such data and information, whether or not the Operators
of the Website knew or should have known that such damages might be incurred or
suffered, including but not limited to loss of income or profits or market value
loss on the sale or purchase of funds and/or securities.

Hyperlink Disclaimer and Exclusion of Liability

This Website may contain links to other websites operated by parties other than
the Operators. The Registered Users and Viewers of the Website understand that such
other websites and their contents are neither checked nor monitored by the Operators
for accuracy, adequacy, completeness, functionality, timeliness or conformance with
applicable laws and regulations and are not liable or responsible in any manner
whatsoever for the accuracy, adequacy, completeness, functionality, timeliness and/or
the functionality of the information, statements, materials, opinions, products
and services contained, provided and posted on such websites or any link contained
in a linked website or their conformance with the applicable laws and regulations
and make no warranties, of any kind and nature whatsoever, including but not limited
to warranties regarding the performance, merchantability and/or fitness for a particular
purpose. The Registered Users and Viewers of the Website understand and agree that
the operating procedures and the terms of use of such websites shall become applicable
to them on their gaining access to such other sites. The Operators are also not
responsible without limitation for the any changes or updates to such websites and
inclusion of such links on the Website does not imply any degree of endorsement
by the Operators regarding the quality and/or accuracy of information provided or
the nature of content of such linked websites.

Alteration and Modification

The Operators reserve the unqualified and unlimited right to amend, modify, alter,
edit, delete, suspend or discontinue, temporarily or permanently the Website or
any portion thereof and/or the information, statistics, services, products and/or
materials contained and provided on the Website or any part thereof, with or without
prior notice. The Registered Users and Viewers understand and agree that the Operators
shall not be liable in any manner whatsoever to them or to any third party for any
such amendment, modification, alteration, editing, deletion, suspension or discontinuance
of the Website.

The Registered Users and Viewers understand and agree that the Operators have an
unqualified and unlimited right to amend, modify, alter, edit and/or delete the
Terms of Use and Disclaimer contained herein with or without prior notice to the
Registered Users and Viewers and the Registered Users and Viewers shall not be entitled
to make any claims of any kind and nature whatsoever against the Operators on account
of losses or damages of any kind and nature, incurred or suffered by the Registered
Users and Viewers on account of such change, modification or alteration thereof.
The amended Terms of Use and Disclaimer shall be posted by the Operators on the
Website for the convenience of the Registered Users and Viewers and the Registered
Users and Viewers shall be responsible for reviewing the Terms of Use and Disclaimer
each time they gain access to the Website to ensure that they have reviewed and
understood the then current and applicable Terms of Use and Disclaimer as may be
posted on the Website from time to time. The Registered Users and Viewers understand
and agree that in case the Registered Users and Viewers chose to gain access to
the Website, they shall be deemed to have read and understood the then current and
applicable Terms of Use and Disclaimer for all purposes thereof, irrespective of
whether they have actually read and understood the Terms of Use and Disclaimer or
not.

Trademark and Copyright Protection

The Registered Users and Viewers of the Website understand and agree and are put
to notice that unless otherwise indicated, the Website and its text, content, layout,
design, graphics, compilation and other matters related to this Website are protected
under applicable copyrights, trademarks and other proprietary (including, but not
limited to intellectual property) rights and are the property of the Operators or
the material is included on the Website with the permission of the owner of such
rights and is protected pursuant to copyright and trademark laws. ALL RIGHTS RESERVED

The Registered Users and Viewers are prohibited from reproducing, transmitting,
disseminating, copying, downloading, modifying, displaying, selling, publishing,
broadcasting, or circulating the information and materials contained in the Website
in any form or by any means, including but not limited to, electronic, mechanical,
photocopying, recording, or otherwise without the express prior written consent
of the Operators.

Jurisdiction and Applicable Laws

The Registered Users and Viewers understand and agree that the courts of New Delhi,
India shall have the exclusive jurisdiction to resolve any controversy or claim
of whatever nature arising out of or relating to use of the Website or the information,
statements, opinions, products, services and materials contained, provided, posted
or expressed in the Website and the laws of India shall govern such dispute or claim.
However, the Operators retain the right to bring legal proceedings in any jurisdiction
where they believe that infringement of the Terms of Use and/or the Disclaimer is
taking place or originating.

Waiver

The failure of the Operators to enforce any provision of these Terms of Use and
Disclaimer shall not be deemed a waiver of such provision nor of the right to enforce
such provision.

No Privity of Contract

The Registered Users and Viewers expressly agree and understand that nothing contained
in the Website or the Terms of Use or the Disclaimer contained herein shall be deemed
or may be construed to create a privity of contract between the Registered Users
or the Viewers and the Operators.

Entire Understanding

These Terms of Use and Disclaimer contain the entire understanding between the Registered
Users and Viewers of the Website and the Operators with respect to this Website
and supersedes all prior understandings (written or verbal), representations and
negotiations and shall not be modified or affected by any course of dealing or course
of performance. In case any term of the Terms of Use and/or Disclaimer is declared
invalid or unenforceable for any reason whatsoever, by a court of competent jurisdiction,
such term shall, insofar as it is severable from the remaining terms, be deemed
omitted from the Terms of Use and Disclaimer and shall in no way affect the legality,
validity or enforceability of the remaining terms.

All rights not expressly granted herein are reserved.

I have carefully read the terms and conditions mentioned in the Disclaimer above
and hereby agree to be bound by the terms and conditions outlined therein. I fully
understand that by using this website I shall convey my acceptance to be bound by
the terms and conditions contained in this disclaimer. I am also aware that in case
I am not willing to be bound by the above mentioned terms and conditions I should
not be using this website.

Editorial Policy

The goal of our website, Citrus Interactive, is to bridge the communication gap
that currently exists between the key stakeholders involved in the investment process:
financial companies, intermediaries and investors.

We aim to bring you independent, unbiased, and meticulously-researched stories within
the realm of wealth management. Our stories will help you stay informed about developments
within the financial industry. They will also help you do your own research and
evaluate investment products and services.

All our stories will be backed by quantitative data. To this we will add rigorous
qualitative analysis obtained by speaking to a wide variety of knowledgeable sources.

Most importantly our focus will remain unwaveringly on the long term. We will steadfastly
avoid being carried away by the fads and manias of the day.

Simplicity will be the hallmark of our style. In both our writing and the way we
present ideas we will aim for lucidity and clarity. At the same time, we will refrain
from over-simplifying.

Read, learn and earn - and let’s grow and evolve as we undertake this voyage together.